Good Evening,

I have been on a DMP for over 10 years.

Total debts still exceed 40k with most that were credit card debts

(from the mid to late nineties)

now with various DCA's such a RW, Westcott, Caboot et al.

RW have recently started to get more proactive in trying to get me to increase payments and I am seriously doubting the point of continuing to pay.

I have been reading about "cash cowing" and requesting CCA's for the debts,

any reason that I should not be encouraged to do down this route?

Thanks.

none

the penny has finally dropped.......

and you've realised that all you've been doing is lining their pockets for 10yrs to fund expensive holidays and mass parties everytime you pay them.

if everyone stopped paying the dca's tomorrow

the whole industry would collapse overnight.

you know the next bit.........

list your debts

who you now pay

when you took the debt out

who was the original creditor

what type of credit was it

what is the defaulted date

mooooooooo

dx

Thanks for your reply. All debts are credit cards except the one held by PRA, not sure of the exact date they where taken out, but most would be mid to late nineties with nothing later than 2003.

Here goes;

Barclaycard Visa £7000 (Cabot)

Barclaycard Mastercard £4500 (Cabot)

RBS Mint £6500 (Westcot)

Tesco £6000( RW)

Lloyds £4000 (RW)

Direct Line £3200 (Westcot)

Inactive Creditor £2780 (Westcot)

Compucredit (Monument) £2000 NCO Arrow Capquest

Capital One £1800

First National Tricity Finance £370 (PRA Group)

All given to me at the time on a salary of less than £20K!!

Thanks.

CCA request to every one of 'em !!

whos the DMP with

please don't tell me its fee paying one..........

No , its Step Change.

well atleast that didn't cash cow you then.

direct line is that a loan?

oh by the way

no point in sending any CCA requests to wetcloths

send them to their 'client' named on their letters.

DL was a credit card. Ok will do.

Quick update. The only response in two weeks has been from RW offering me a 50% discount. No acknowledgments from anybody of my CCA request.

50% discount

pay us something please before we admit we've no enforceable paperwork..

dx

Quick update have received a phone call from 1DCA informing me that they wont be able to provide documentation for 1 of the loans I have with them but they are sending an enforcable CCA for the other.

dave...stay off the phone

a dca is not a bailiff

you are under no legal obl to talk about your debts on the phone or at your door

Ok, thanks. Any view on what my approach should be if they provide one enforceable CCA? Could I pay one debt and ignore the other? Both these debts would have originated in the mid to late 90s.

you start a new thread on it and we look at the return...1990's fat chance!!

Great, thanks again.

Chances are, pretty much all your debts are unenforceable. Now theyre panicking because theyve lost a major cash cow.

you start a new thread on it and we look at the return...1990's fat chance!!

What should I do, a new thread under each of the original debt owners i.e. Barclays etc?

Yep perfect

Theres a forum for each of the main bank off the top left main forum tab

Stat a new thread

Tell us the story refer to this thread if you need to

Scan the CCA return to one pdf

I have checked my credit report today.

The only debt showing is against a Lloyds CC currently been managed by Westcots.

It is showing defaulted against every month.

Is there anything to be gained by paying the £10 for a SAR for my CC debts?

Where relevant I have previously claimed PPI but have never looked at charges,

with the age of the debts meaning the last activity on many was no later than around 2004

am I right in thinking that I cannot claim any charges from that far back?

it can be difficult without issuing court claims

Thanks for the responses.

Quick update. Only one positive response from PRA Group who have stated that the debt is not enforcable. Guess everybody else still searching for the CCA's.

one debt removed from the milking parlour..